Insurance agents are at the bottom of the food chain of the whole insurance industry. The relationship with the insurance company is an unequal agency relationship: you are not my employee, so I can not give you salary, social security and exhibition expenses, and do not assume any obligations of the employer. But you must accept my management, so you must accept attendance, training, management and assessment. If I am unhappy, I can fire you at any time (of course, my statement will be elegant, not firing, but dissolving the agency relationship). As for your renewal commission, that's obvious, absolutely not. As for the refund of your deposit, I'm sorry I'm busy. Please abide by the company management system and I'll help you deal with it when I'm free.
The agency system with extremely unequal rights and obligations must be a very immoral system!